Capital City Bank

Overview

What stands out about Capital City Bank?

Against its six size peers, its loan-to-deposit ratio stands out most: 65.58% at Q2 2026, below the peer median of 96.41%.

How large is Capital City Bank?

At Q2 2026 the bank held $4.4 bn of assets. Deposits were $3.8 bn and net loans and leases $2.5 bn, a loan-to-deposit ratio of 65.58%. Securities of $1.1 bn made up 25.9% of assets.

Total assets rose 60.5% between Q1 2016 and Q2 2026, from $2.8 bn.

How much of its funding is uninsured?

An estimated 47.83% of domestic deposits were above the FDIC insurance limit at Q2 2026, +0.94 pp from the previous quarter and +2.08 pp from a year earlier. That share ranks 102nd among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The common equity tier 1 (CET1) ratio was 18.18% at Q2 2026, +2.10 pp from a year earlier. Since Q1 2016 it has ranged from 13.10% (Q1 2023) to 18.18% (Q2 2026). At Q2 2026 the tier 1 leverage ratio was 10.29% and the total risk-based capital ratio 19.43%. The median CET1 ratio of the size peers listed below was 12.53% at Q2 2026.

Held-to-maturity securities had an unrealized loss of $10.4 mn at Q2 2026, measured as fair value minus amortized cost, equal to 2.0% of bank equity capital. The loss narrowed by $3.3 mn from a year earlier. The largest unrealized loss on these securities was $52.6 mn at Q3 2022. Available-for-sale securities showed an unrealized loss of $18.8 mn at Q2 2026; the loss widened by $843,000 from a year earlier.

Return on equity was 12.85% for the year to Q2 2026, annualized, with a return on assets of 1.52% and a net interest margin of 4.33%. The margin was +0.04 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 64.75%. Net income for the year to Q2 2026 was $33.6 mn, up 1.3% on the same period a year earlier. The median return on equity of its size peers was 12.68% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.40% of total loans at Q2 2026. Net charge-offs for the year to date were 0.12% of average loans, annualized.

The FDIC history records no mergers or acquisitions for Capital City Bank since Q1 2016, and its total assets never moved more than 25% in one quarter.